Credit Counselling

Establish better spending habits

We provide credit counselling to help you establish better spending habits that will lead to a more financially responsible life.

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David Sklar & Associates Inc.
5.0
Based on 683 reviews
Clayton Surujbally
17:09 18 Feb 21
Working with David Sklar has been an easy and detailed process. I am especially thankful for the personal services provided by Jackie Stanley as she has been very informative and always ready to answer any questions or concerns in a timely manner. I highly suggest working with Jackie if the opportunity presents itself.
Chris Thompson
17:11 07 Feb 21
On February 2 l made the somber driveTo David Sklar and associates.I had known this location from having drovePast it many times over the years.I made a appointment using the phone numberOn their door in Pickering, OntLater that day l had a consultation withTrina Powell.Immediately upon meeting with her l wasBecomming more relaxed with the proceedings.Trina, was very down to earth, and very professional.We all have our calling, l can only gather sheHas found hers, and she is very good at herJob, and career.I met with her again two days later but on thisVisit l felt more relaxed, and self assured of myDecisions, having already met with Trina.Thank you! Hat's off to you.I also had a phone zoom call with MarkTo whom as well was very easy, and comfortableTo talk to,Thank you, Mark.The team at David Sklar and associatesShould take great pride, and comfort when theyHelp people, like me and probably so many others.Thank you.
Desiree Balkaran
17:09 07 Feb 21
I have dealt with this company before many years ago when I did my bankruptcy , and found to be very trustworthy, professional, and right at ease. No judgement, very understanding and very supportive. So of course would come to then again when this time did the debt consolidation. The staff is friendly and goes over all the details with you and answers all your questions so you know exactly what to expect and make an informative decisison. I aslo like how if I had any questions could leave a message or email the company and how promptly they answer me back. Thank you David Sklar & Associates for getting me back on the right track and living a life of debt free again. I have my freedom back thank you for all your help and support. Amen 🙏
Elizabeth Thomas
09:18 04 Feb 21
I am so grateful to Rhoda Lewis for an amazing opportunity to start fresh, she is very knowledgeable, professional and very friendly. I felt so comfortable from the moment I walked into her office, I definitely would recommend Rhoda to anyone who is looking for help. I love and appreciate you very much for helping me. After all these years I still kept in touch with you via email just to say thank you. Thank you again so very much and continued blessings.
Andrei Podeanu
02:09 01 Feb 21
Jackie Stanley will take you step by step in explaining the process professionally, answering all the question I had over the telephone or e-mail. We are very satisfied and grateful for her work and effort. Dan Podeanu
Daniel Domingues
22:19 23 Jan 21
Ashley Carter was very nice to me and professional and she helped me with my issue and she answer my questions in email. She helped me a lot and she gave me less stress.
1 blaze
18:36 21 Jan 21
Jackie Stanley take you step by step in explaining the process professionally, replying on our every question over the telephone or e-mail. We are very satisfied and grateful for her work and effort.
Tree Broker
14:33 20 Jan 21
Jackie and the team at David Sklar and Associates took my very stressful situation and made me feel at ease. I was treated with respect and understanding from the start of my process right through to the end. Prompt email and phone responses made it feel like I was at the top of their priority list.Jackie and the team at David Sklar are the best in the business. I would highly recommend using their services.
Jeremy Y
14:04 20 Jan 21
Has helped me put to gather all my financial debt and find a reasonable offer and deal in making payments towards all my debts as one. Has been patient and kind service one on one. A big thanks to Jackie for helping guide me through my process!
WhoisDriaB
02:09 20 Jan 21
Jackie is an amazing person, she takes her time to make sure you understand everything. Every question I had she was always a email or text away with a quick response. Thank you again
danny adlabi
20:11 19 Jan 21
Jackie Stanley was amazing she was kind and wonderful to work with i am so grateful for her help she set down went over all my questions and my situation and i got all the help i need it
mer irf
19:59 19 Jan 21
Jackie made me feel very comfortable from the minute I walked in. She treated me with humanity and respect. She is also very professional and knowledgeable; she explained very clearly what was involved. Thank you Jackie for giving me the chance to start anew.
Dorianne White
15:06 19 Jan 21
We were so tired of our debt holding us back. We reached out to Jackie at David Sklar and she was so great from day one! She was quick understanding caring! Our experience was excellent! Everything was smooth and easy. What a relief it was with Jackie at David Sklar!Thank You so much 😊
F Volpe
05:07 11 Jan 21
Best thing I ever did! Don't let the messaging out there convince you being unable to manage your debt is shameful and a failing. Cori is amazing! She knows what she's talking about and she will guide through all your options. Everyone I've dealt with at David Sklar has been respectful and friendly. This was life changing help for me.
Maria G.
19:07 03 Jan 21
Cori, she’s very helpful and patient. She treated me with respect. She took so much time to explain to me what’s the best way to resolve my financial problem and teach me how i can save to avoid thesame problem again. Cori thank you so much.
Nilda H.
23:34 21 Dec 20
I highly recommend David Sklar & Associates, especially Rhoda Lewis, she listened with patience, understood my whole situation, advised professionally, she has many years of experience and is very knowledgeable, I felt confident with her work, she handled my case and guided me every step of the way, she reviewed with me in detail, and is very caring. I really trust David Sklar’s team, they really work and help people in a very simple and professional way. I am so grateful for Rhoda’s work helping me through this situation. Now it is like I received a 2nd chance to live free, I can take control and now take care of other things that matter in my life. Thanks for taking away the stress & weight I was carrying on my shoulders. I can now sleep at night. God Bless you for all your work. Thank you.
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Credit counselling in Ontario?

The licensed insolvency trustees at David Sklar & Associates have been successfully helping people achieve financial empowerment through credit counselling in Ontario since 1997.  We know that debt is overwhelming and stressful, which is why we provide a judgment-free atmosphere where we explain your options and help you make an educated decision.  We provide credit counselling services to teach individuals how to manage debt. Our strategies will help you manage credit, budget money, save money and get you back on track.

The initial consultation with your counsellor is free, so even if you’re not ready to move forward you will be able to make the right decision when you are.

Should you choose to file for bankruptcy or a consumer proposal, you will be asked to attend two mandatory sessions of credit counselling which will help you avoid making the same financial mistakes.

What you will learn:

  • How to set & reach financial goals
  • Identify & overcome poor financial habits
  • Create & manage budgets
  • Financial ownership
  • How to use credit effectively
  • How to save money
  • Establish strong credit

We are certified

Our team is made up of certified insolvency counsellors who are equipped with the knowledge and experience necessary to provide reputable credit counselling services to you.

WHAT TO LOOK FOR IN A CREDIT COUNSELLOR:

David Sklar & Associates is staffed with patient and encouraging counsellors who are committed to the financial empowerment of every person we assist.

We know that debt is overwhelming and stressful, which is why we provide a judgment-free atmosphere where we explain the options and help you make an educated decision. The team at David Sklar is committed to providing the tools and resources you need to achieve financial wellness.

We are driven and are passionate about helping you erase your debt. When you choose us as your Licensed Insolvency Trustee, you can have peace of mind that we will provide you with compassionate and educational credit counselling services.

There is no one-size-fits-all solution to debt management. The counsellors at David Sklar & Associates provide you with the one on one attention you need to establish a debt management plan that is well suited to your needs, capabilities, and lifestyle. Our sessions are catered to your unique needs to help you set feasible goals.

Our team is made up of certified insolvency counsellors who are equipped with the knowledge and experience necessary to provide reputable credit counselling services to you.

A good credit counselling agency in Toronto will provide you with a free consultation to assess your unique needs.

When you are seeking debt relief and require a plan of action — but don’t yet want to make a commitment — you can have peace of mind that we will provide you with a free consultation to go over your current finances and your different options. Then, we will work with you to determine the best path to help you achieve debt relief.

We have been successfully helping people achieve financial empowerment through credit counselling in Toronto since 1997. Our team of experienced counsellors understand bankruptcy and debt management and are committed to sharing that knowledge to help you reduce your debt.

Credit Counselling FAQ

The main purpose of credit counselling is to provide individuals with the guidance they need to make better financial decisions and to provide them with the resources and education they need to absolve themselves of debt. These services also exist to help individuals who are looking to file for bankruptcy or a consumer proposal.
Credit counselling in Ontario is required by law when filing for bankruptcy or filing a consumer proposal. In both processes, an individual is required to complete two credit counselling sessions. The first session will typically occur two months into the proposal, whereas the second will generally occur 7 months into the process.

When we provide personalized credit counselling services, we consider your unique needs. We will work with you to determine how long you will require these services. If credit counselling is being provided for a bankruptcy or consumer proposal, you are required to attend two mandatory sessions.

While credit counselling is involved in a consumer proposal, the two are different processes. Credit counselling refers to sessions through which a counsellor provides an individual with financial education to help them achieve financial wellness. A consumer proposal, however, is a legal process through which an individual is able to pay a reduced amount of debt in a set period of time (usually 5 years).

Credit counselling is advised for those with a low consumer-debt-to-income ratio. Credit counselling can either solely help you manage your debt, or help you to identify if you require a consumer proposal or bankruptcy to more effectively rid yourself of your debt burdens. These services are especially beneficial in situations where:

  • You find yourself frequently utilizing cash advances
  • You are applying for additional credit cards
  • You are constantly borrowing money to make monthly costs
  • You are relying on loans
  • You are only paying the minimum on your monthly credits and bills
  • You continue to spend outside your budget
  • You are considering bankruptcy or a consumer proposal

There are many benefits associated with getting credit counselling when you are seeking debt relief. Credit Counselling in Toronto can help you to achieve financial ah-ha moments by providing:

  • Personalized counselling from a trained financial professional like the counsellors at David Sklar & associates
  • Lower interest rates on credit card debt
  • Removed late fees & additional charges on debt
  • Reduced total of debt
  • Loans consolidated into one monthly payment for more manageable repayment
  • Tools and resources for better money management
  • Guidance on bankruptcies and consumer proposals
If you are experiencing serious debt problems, contact us to explore your options. Call David Sklar & Associates at 289-806-2005 or get started with our Quick Assessment Form to book your Free Consultation. During the consultation, we will help you identify what your current financial situation is and how best to fix it. With six offices in the Greater Toronto Area – we are here to help.